Introduction
As of February 20, 2026, credit union loan rates remain steady with several standout opportunities for members seeking affordable financing. If you’re looking for the lowest APRs, secured loans continue to lead with unbeatable rates as low as 1.8% at Trumark Financial and 2.0% at multiple credit unions like Texas Dow Employees, Lafayette, and Charter Oak. These options are perfect for borrowers prioritizing low-cost borrowing backed by savings or certificates. For those considering unsecured personal loans, rates hover around 7.14% to 11.09%, with Texas Dow Employees offering a competitive 7.14% personal loan rate, ideal for consolidating debt or unexpected expenses. Line-of-credit products also remain attractive; REDSTONE’s personal line of credit holds steady at 12.11%, while VYSTAR’s adoption line of credit is available at 8.99%. Notably, no significant rate changes occurred over the past month, underscoring a stable lending environment that members can confidently navigate today. Whether you’re rebuilding credit with REDSTONE’s 1.0% credit builder or exploring home equity options starting at 7.375%, there’s something here tailored to every financial goal.
Personal Loans
| Lender | Product | 2026-02-20 Current | 2026-02-05 15 Days Ago | 2025-08-24 180 Days Ago | 2026-01-21 30 Days Ago | 2026-01-06 45 Days Ago | 2025-12-22 60 Days Ago | 2026-02-13 7 Days Ago | 2025-11-22 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| REDSTONE FEDERAL CREDIT UNIONLOWEST | Credit builder | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% |
| TRUMARK FINANCIAL CREDIT UNION | Share-secured loan | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Certificate of deposit secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| LAFAYETTE FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| CRANE CREDIT UNION | Loan secured by savings | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| DEL NORTE CREDIT UNION | Share or certificate secured | 2% | 2% | N/A | N/A | 2% | 2% | 2% | 2% |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| VYSTAR CREDIT UNION | Certificate secured | 2% | N/A | N/A | 2% | N/A | N/A | N/A | N/A |
| VYSTAR CREDIT UNION | Savings secured | 2% | N/A | N/A | 2% | 5% | 5% | 2% | 5% |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | N/A | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 3% | 3% | 3% | 3% | 3% | 3% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 3% | 3% | N/A | 3% | 3% | 3% | 3% | 3% |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | N/A | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.14% | 7.14% | 7.74% | 7.14% | 7.14% | 7.14% | 7.14% | 7.14% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24% | 7.24% | 7.74% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.375% | 7.375% | 8.125% | 7.375% | 7.375% | 7.625% | 7.375% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | 7.75% | N/A | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% |
| LAFAYETTE FEDERAL CREDIT UNION | Signature | 8.99% | 8.99% | N/A | 8.99% | 8.99% | 8.99% | 8.99% | 8.99% |
| VYSTAR CREDIT UNION | Adoption line of credit | 8.99% | N/A | N/A | 8.99% | N/A | N/A | N/A | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Cash $tash line of credit | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% |
| LAFAYETTE FEDERAL CREDIT UNION | Line of credit | 9.99% | 9.99% | N/A | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| ORNL FEDERAL CREDIT UNION | Name personal | 9.99% | 9.99% | N/A | N/A | N/A | N/A | 9.99% | N/A |
| VYSTAR CREDIT UNION | Personal loans | 10%▲ 500 bps | 5% | N/A | 10% | N/A | N/A | N/A | N/A |
| CRANE CREDIT UNION | Custom fit loans | 10.25% | 10.25% | N/A | 10.25% | 10.25% | 10.25% | 10.25% | 10.25% |
| TRUMARK FINANCIAL CREDIT UNION | Unsecured-installment signature loans | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% |
| DEL NORTE CREDIT UNION | Unsecured personal loan | 10.49% | 10.49% | N/A | N/A | 10.49% | 10.49% | 10.49% | 10.49% |
| LAFAYETTE FEDERAL CREDIT UNION | Home improvement loan | 10.74% | 10.74% | N/A | 10.74% | N/A | N/A | 10.74% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 10.75% | 10.75% | N/A | 10.75% | N/A | 11% | 10.75% | 11% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 10.89% | 10.89% | 11.29% | 10.89% | 10.89% | 10.89% | 10.89% | 10.89% |
| ORNL FEDERAL CREDIT UNION | Name personal line of credit | 10.99% | 10.99% | N/A | N/A | N/A | N/A | 10.99% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.09% | 11.09% | 11.49% | 11.09% | 11.09% | 11.09% | 11.09% | 11.09% |
| CRANE CREDIT UNION | Line of credit | 12% | 12% | N/A | 12% | 12% | 12% | 12% | 12% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.11% | 12.11% | 12.71% | 12.25% | 12.25% | 12.27% | 12.11% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | 12.5% | N/A | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% |
| DEL NORTE CREDIT UNION | Unsecured revolving line of credit | 12.99% | 12.99% | N/A | N/A | 12.99% | 12.99% | 12.99% | 12.99% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | N/A | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 13.75% | 13.75% | N/A | 13.75% | 13.75% | 13.75% | 13.75% | 14% |
| VYSTAR CREDIT UNION | Personal line of credit | 14.49% | N/A | N/A | 14.49% | N/A | N/A | N/A | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | N/A | 17% | 17% | 17% | 17% | 17% |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | 18% | 18% | 18% | 18% | 18% | 18% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
REDSTONE FEDERAL CREDIT UNION
As of February 20, 2026, REDSTONE personal loan rates remain stable across all products. The lowest APR is offered by the Credit builder loan at 1.0%, unchanged over the past 30 days, ideal for members establishing or rebuilding credit. The Share secured loan at 3.0% APR provides a low-cost option for borrowers with collateral. Unsecured signature loans hold steady at 10.89% (60 months) and 11.09% (72 months), while the Personal line of credit/overdraft rate remains at 12.11%, down slightly from 12.25% a month ago. Members should compare fixed-rate signature loans and secured options based on their borrowing needs and risk tolerance. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of February 20, 2026, TRUMARK FINANCIAL's personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing backed by savings. For unsecured borrowing, Unsecured-installment signature loans maintain a consistent rate of 10.49%, suitable for general personal needs without collateral. Members new to credit can consider the First credit loan at 6.25%, providing accessible terms for first-time borrowers. Evaluate your borrowing goals carefully and compare secured versus unsecured options to align with your financial strategy.
TEXAS DOW EMPLOYEES CREDIT UNION
As of February 20, 2026, all personal loan rates at TEXAS DOW EMPLOYEES remain stable with no changes over the past 30 days. The Certificate of Deposit Secured Loan and Share Secured Loan offer the lowest APR at 2.0%, ideal for members seeking low-risk borrowing options. Unsecured loans like the Personal Loan and Home Advantage Loan maintain competitive rates at 7.14% and 7.24%, respectively, suitable for general borrowing or home-related expenses. The Cash $tash Line of Credit holds steady at 9.74%, providing flexible access to funds. Members should compare these fixed-rate options carefully to align borrowing costs with their financial goals.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of February 20, 2026, Lafayette Credit Union’s personal loan rates remain stable with no changes over the past 30 days. The lowest APR is 2.0% for both the Certificate secured and Share secured loans, ideal for members seeking low-risk borrowing options. The Credit builder loan holds steady at 3.0%, supporting members new to credit. Unsecured options like the Signature loan offer a competitive rate of 8.99%, while the Home improvement loan and Line of credit maintain higher fixed rates at 10.74% and 9.99%, respectively. Members should review these stable rates carefully and consider fixed-rate loans for predictable payments.
For more details, visit https://www.lfcu.org/rates/personal-credit-cards-loans-rates/#rates-table-personal-loans.
CHARTER OAK FEDERAL CREDIT UNION
As of February 20, 2026, CHARTER OAK personal loan rates remain steady across all products. The Secured personal loan offers the lowest APR at 2.0%, unchanged over the past 30 days, making it ideal for members with collateral seeking lower borrowing costs. Both the Unsecured personal loans and Readi-cash too maintain APRs of 7.75% and 10.75%, respectively, with no recent fluctuations. Members should compare these fixed-rate options carefully to match their financial goals and consider secured loans for lower rates or unsecured loans for flexibility. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of February 20, 2026, ORNL's personal loan rates remain stable with no changes in APRs over the past 30 days. The Name personal loan and Name personal line of credit both hold steady at 9.99% and 10.99% APR, respectively, offering consistent unsecured borrowing options. For members seeking secured loans, the Name share certificate secured and Name share secured products provide the lowest APR at just 2.0%, ideal for those preferring collateral-backed borrowing with reduced costs. Members should compare these fixed-rate options carefully to align with their financial needs and risk tolerance. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of February 20, 2026, CRANE’s personal loan rates remain stable across all products. The Custom fit loans hold steady at 10.25% APR, offering a consistent unsecured borrowing option. The Line of credit also maintains its rate at 12.0% APR, suitable for flexible access to funds. Notably, the lowest rate is found with the Loan secured by savings at 2.0% APR, providing members with a highly affordable borrowing choice secured by their savings balance. Members should compare these options based on their credit needs and consider fixed-rate loans for predictable payments. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of February 20, 2026, DEL NORTE's personal loan rates remain stable with no changes in the past 30 days. The Share or certificate secured loan offers the lowest APR at 2.0%, providing an affordable option for members who can secure their loan with savings. The Unsecured personal loan maintains a consistent rate of 10.49% APR, suitable for members seeking straightforward, fixed-rate borrowing without collateral. The Unsecured revolving line of credit holds steady at 12.99% APR, ideal for flexible borrowing needs with ongoing access to funds.
Members should compare these options based on their collateral availability and borrowing flexibility requirements; consider fixed-rate loans for predictable payments.
For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of February 20, 2026, all AFFINITY personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-risk borrowing options. For those aiming to consolidate debt, the Debt consolidation loan and Privateline overdraft protection hold steady at 13.5% and 13.75%, respectively. The Student loan consolidation program maintains a competitive rate of 4.99%, providing value for education-related refinancing. Members should review these fixed-rate options carefully to match their financial goals and risk tolerance.
VYSTAR CREDIT UNION
As of February 20, 2026, VYSTAR’s personal loan rates remain stable with no changes in the past 30 days. The Certificate secured and Savings secured loans offer the lowest APR at 2.0%, suitable for members seeking low-risk borrowing options. The Adoption line of credit holds steady at 8.99%, providing a competitive rate for adoption-related expenses. Unsecured borrowing through the Personal loans and Personal line of credit remain at 10.0% and 14.49%, respectively, reflecting consistent pricing for flexible access to funds. Members should compare these fixed and variable options based on their financial goals and repayment preferences.
For more details, visit https://www.vystarcu.org/personal/rates/personal-loan-and-line-of-credit-rates.
LendMesh
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Conclusion
When planning your next financial move, be it consolidating debt, managing an emergency, or funding a major life event, focus on loan products that align with your budget and repayment capacity. Secured loans consistently offer the lowest APRs and can save you substantial interest costs over time, so consider using certificates or shares as collateral if possible. If unsecured loans fit your needs better, keep an eye on competitive signature loan rates like those from Texas Dow Employees and ORNL. Remember to review your current credit standing and compare programs regularly since small changes in APR can significantly impact your monthly payments and total interest paid. Act promptly if you find a rate that fits your goals because these offers may evolve next week. Staying informed will empower you to make confident decisions that support your financial health long-term. Be sure to revisit these rates soon, your best borrowing opportunity might just be around the corner!